We are Australia’s leading independent investment finance and property investment groups!

We work for you not the banks!

- Access to hundreds of home loan products from over 25 of Australia’s leading banks and financial institutions
- First Home Buyer Loans, Investment Loans, Owner Occupier Loans, Refinancing & SMSF loans.
- We negotiate with the bank to get the best rate for you!
The right finance structure is key to successful property investment!

PROPERTY INVESTORS

We are Australia’s leading independent investment mortgage broking company specialising in working with property investors worldwide. We work for you not the banks! Getting your finance right is just as important, if not more, than choosing the right property. We aren’t just mortgage brokers and finance strategists, we’re property investors and are passionate and dedicated to helping you along your property investment journey. With hundreds of products on the market from a wide panel of Australia’s leading banks and financial institutions it can be confusing to know which loan is best suited for you. We take care of the paperwork for you and negotiate with the banks to ensure we secure the best deal for you in a timely and stress free manner. The benefits of working with a mortgage broker who specialises in working with investors are endless as the wrong financial structure could cost you thousands and will restrict your ability to maximise your borrowing capacity and grow your property portfolio. Real Estate Investment Finance believe that giving back is an important core believe. We are pleased to offer a service that makes a difference and commit $50 from every loan to supporting charitable organisations across the world and helping those who are less privileged. Our team are dedicated to helping you find and secure the right property investment loans along with assisting you set up the correct loan structure to enable you to build your dream property portfolio.

"I would like to thank David on helping us untangle the mess on our home loans and helping us purchase our 4th Investment Property. David re-financed our loans across our properties removing the family home as security. We didn’t realise the risk we were taking with our original structure and would like to thank David and Dave for helping us re-structure this. We now are able to continue to grow our property portfolio the right way. Through re-financing we have achieved much lower interest rates on our loans and are now saving approx. $5500 a year in interest across the loans. The value David provided us was fantastic, Thank-you again for all your hard work and help "

- James F (Brisbane)

"As we began to start the process to aquire our first home we started to feel as though we were way out of our depth. After a friend recommended we get in contact with David our confidence was quickly restored. To have someone in the financial sector that can communicate in a way that makes things clear whilst equipping us with what we need is both rare and a credit to his exceptional business sense. Thank-you David and the team at Real Estate Investment Finance"

- Rob and Clare (Melbourne)

"We purchased our first Investment Property in 2013 with the help of David and his team. Not only did they provide a great home loan, but they also guided us in the right areas to invest and start searching. He made the process nice and easy and went over and above. I wouldn’t hesitate to recommend these guys, fantastic service!”

- Mary & John (Sydney)
"REIF are the most professional and reliable team to work with. Nothing is too much trouble and they have proven to be consistently reliable and I place 100% confidence in their abilities to navigate the investment finance industry and recommend the appropriate products for your individual needs."

- Linda K (Brisbane)

"David would always be helpful in making me feel easier when i do not understand the finance side of things...he took the worry from me, which i appreciate. good customer service."

- Julia M (Sydney)

"Renee and David are awesome! It was a wonderful experience to know such great agents and people. Especially for our first and biggest financial Endeavor in Australia, their guidance and help in baby steps were crucial for us to succeed and maintain our mental health throughout the process of getting the best loan for our house :)"

- Robert S (Melbourne)

"Dave and the REIF team helped us get into the investment property market. They were extremely professional and knowledgeable. Here is to many more investments. Very grateful... thank you"

- Yasmine W (Sydney)

"The REIF team are really lovely, super helpful and so professional! We went to them last minute when we were having issues with the banks, and they had everything sorted so quickly - which meant that we met our finance deadline. Honestly, it was stressful changing broker last minute but they really handled everything so well. Highly recommend!"

- Meg T (Brisbane)

"I bought an investment property with them. It was nice and now I'm very glad that I have come to them when the time was right. They were very committed in searching banks and financial institutions to get better deals. Even though they went person to person to have good deals. They knew my financial situation and what I wanted to achieve. Now I have my property and a tenant."

- Enrique C (Sydney)

"REIF were interested in finding the best financing for my individual needs regarding my current and planned investment in real estate."

- Robert W (Toowoomba)

"Very professional, friendly service, with very quick response to all questions"

- Ouliana R (Western Australia)

"I would like to thanks the REIF team for their professionalism and expertise in refinancing my property portfolio. I would recommend their services to anyone."

- Leigh B (Melbourne)

"Your company helped us a lot. We didn't know how to begin, how to proceed and how to finish, but you help us all the way through. Thank you so much. I would recommend you to my friends."

- Andrew M (Brisbane)

"Changing banks can be messy, but Dave was there to help, every step of the way. He made the process very simple and easy to do."

- Robert P (Melbourne)

Who are we?

Real Estate Investment Finance are Australia’s leading investment mortgage broking company. We are fully licensed finance strategists dedicated to helping you find and secure the right home loan along with setting up the right loan structure to suit your long term goals. With over 25 lenders on our panel we work to your best interests not the bank.

What Do We Do?

We work with you to evaluate your investment lending needs and help you structure your finances for maximum flexibility and control to achieve your lifestyle goals sooner. We will review your current finances and make recommendations to help put you in a better position (if required), calculate how much you can borrow then we will compare hundreds of products from a wide panel of Australia’s leading banks and financial institutions to find the right investment loan for you. We are the middle person between a borrower and a lender and we will negotiate with the bank on your behalf to ensure you get the best interest rate. You can contact us whether you’re just starting to think about buying your first home, are looking to refinance, or if you’re a novice or experienced property investor. We assist you with all the paperwork in a timely and stress free manner.

Even though I am not in South East Queensland can I use your services?

Yes, we work with clients from all over the world and the majority of our clients are spread across different states in Australia. With the convenience of Skype and online technology we are able to easily assist clients no matter where you’re located.

What do your services cost?

Our service to you is free as we are paid in the form of an upfront and trial commission from the lender that you decide to get your home loan with. This remuneration amount will be fully disclosed to you.

Are the Home Loans you offer the same as the banks?

Our home loan products are the same as what you can get from the banks – with the same fees, and charges. However, sometimes due to our relationship with lenders we can negotiate and get you a better deal. We also get special offers from time to time that the banks only make available to brokers. On top of this, we have access to a wider range of competitive products with a panel of 25+ lenders.
Why wouldn’t I just go to my bank?
The bank you deal with for your everyday banking may not be the best lender for you. By assessing your lender options you could save thousands of dollars in interest and in fees! Also as a property investor lenders would love you to come back and continue to use them for multiple property purchases – This is a big no no! We will teach you about this and the importance of diversifying your loans for your properties across different lenders.

How much deposit do I need?

You can purchase a property with as little as 5% deposit. However you will also still need money for buying costs which include stamp duty, legal fees, etc. For example, if you were to purchase a property for $350,000 in Victoria you would require approx. a $40,000 deposit. This depends on your situation and other factors as we do have lenders that will lend up to 97% - ask us to find out more. You may also use equity from another property as a deposit instead of using cash – we highly encourage taking this approach if you have it available and we structure this in the form of a cash out.

How much can I borrow?

When determining your borrowing capacity lenders require two things. Firstly, the size of your deposit and secondly the stability of and amount of income. Lenders are willing to lend up to 97% towards a property purchase and therefore you need to contribute a percentage plus buying costs. Lenders also want to know that you can afford to repay the loan and therefore your borrowing capacity will also largely depend on this. Contact us today for an obligation free borrowing capacity. Within 15 minutes we will be able to tell you what your number is.

What is Loan Mortgage Insurance?

LMI is insurance that the lender takes out to protect themselves in the event the borrower defaults on repayments, they have to sell the property and there is a shortfall in the difference. If your deposit is less than 20% (you need to borrow more than 80% of the property value) you might need to pay LMI. There are some exceptions to this – contact us today to find out more.
Should I pay Loan Mortgage Insurance?
LMI isn’t necessarily a bad thing as it allows you to purchase your home with a smaller deposit which gets you into the property market sooner. Most lender will allow LMI to be capitalised on your loan which means you may not need to pay the fee upfront.

Do you only assist property investors?

While we specialise in working with property investors we also work with first home buyers, owner occupiers and re-finances on a daily basis. Our clients can benefit from our specialised services by looking at their home purchase as a step towards building a property portfolio.

I’m ready to buy a property – what’s my first step?
Contact us by phone 1300 130 932 or email info@reif.com.au anytime 7 days a week and we’ll arrange for an interview either face to face, over Skype or on the phone. You’ll be surprised how easy it is to get started.